You must successfully collect a payment by midnight Sydney time on the third calendar day following the day the Pay to Mobile Payment is authorised by the person who made the payment. If you do not successfully collect the payment within this time, the Collection Code will expire and you will need to contact the person who made the payment to initiate a new payment. The SMS you receive contains the Collection Code expiry date.

Conditions, fees and charges apply. These may change or we may introduce new ones in the future. Full details are available on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding. Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.